Housing Finance in South Sudan

Overview

This profile is also available in French here.

To download a pdf version of the full 2020 South Sudan country profile, click here.

The country’s socio-economic challenges have negatively affected the country’s economic development which adversely affects the South Sudanese financial and housing sectors. It is hoped that the recently signed power sharing agreement by the South Sudanese President Salva Kiir and First Vice President Riek Machar will lead to increased stability.

South Sudan’s financial sector is still in its infant stage is predominantly cash-based without the necessary regulatory oversight. There is limited access to finance as majority of the population live in rural areas however there is potential to explore mobile technology. The country has in the last decade established the  Housing Finance Bank to support the mortgage system.

The low annual average income levels of urban households in South Sudan make it difficult for average households to afford the cheapest formal housing unit in urban areas. Moreover, the conditions for obtaining a mortgage and exorbitant lending rates make it even more difficult for these households to access housing finance. The majority of the population (both in rural and urban areas)live in traditional mud houses which are largely self-built and owner-occupied.

Following the power sharing agreement, there is a significant opportunity for policymakers to stabilise the economy and undertake measures that directly and indirectly support infrastructural and housing development.

Find out more information on the housing finance sector of South Sudan, including key stakeholders, important policies and housing affordability:


Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2020 edition, which has up-to-date profiles for 55 African countries.

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